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SEC FORM 13F-HR

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F COVER PAGE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
Report for the Calendar Year or Quarter Ended: 06-30-2025
Check here if Amendment checkbox unchecked Amendment Number:
This Amendment (Check only one.): checkbox unchecked is a restatement.
checkbox unchecked adds new holdings entries.
Institutional Investment Manager Filing this Report:
Name: BANK OZK
Address: 18000 CANTRELL ROAD
LITTLE ROCK, AR  72223
Form 13F File Number: 028-15250
CRD Number (if applicable):
SEC File Number (if applicable):

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

Person Signing this Report on Behalf of Reporting Manager:
Name: SHEILA MAYDEN
Title: MANAGING DIRECTOR CORPORATE TRUST
Phone: 501-978-2218
Signature, Place, and Date of Signing:
/s/SHEILA MAYDEN LITTLE ROCK,  AR 08-11-2025
[Signature] [City, State] [Date]
Report Type (Check only one.):
checkbox checked 13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager are reported in this report.)
checkbox unchecked 13F NOTICE. (Check here if no holdings reported are in this report, and all holdings are reported by other reporting manager(s).)
checkbox unchecked 13F COMBINATION REPORT. (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)
Form 13F Summary Page
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 264
Form 13F Information Table Value Total: 260,836,649
(round to nearest dollar)
List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.
[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]
NONE
SEC FORM 13-F Information Table

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
MEDTRONIC PLC SHS G5960L103   393,223 4,511 SH   SOLE   4,511 0 0
MEDTRONIC PLC SHS G5960L103   769,275 8,825 SH   OTR   8,620 0 205
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103   347,835 2,410 SH   SOLE   2,410 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   3,583,262 8,192 SH   SOLE   8,056 134 2
TRANE TECHNOLOGIES PLC SHS G8994E103   146,532 335 SH   OTR   335 0 0
NXP SEMICONDUCTORS N V COM N6596X109   1,137,895 5,208 SH   SOLE   5,074 134 0
NXP SEMICONDUCTORS N V COM N6596X109   190,960 874 SH   OTR   794 0 80
AFLAC INC COM 001055102   2,372,850 22,500 SH   OTR   22,500 0 0
AT&T INC COM 00206R102   422,813 14,610 SH   SOLE   13,820 690 100
AT&T INC COM 00206R102   23,557 814 SH   OTR   814 0 0
ABBOTT LABS COM 002824100   810,619 5,960 SH   SOLE   5,575 350 35
ABBOTT LABS COM 002824100   1,381,861 10,160 SH   OTR   10,160 0 0
ABBVIE INC COM 00287Y109   2,593,668 13,973 SH   SOLE   13,873 100 0
ABBVIE INC COM 00287Y109   2,349,021 12,655 SH   OTR   12,655 0 0
ALLSTATE CORP COM 020002101   224,863 1,117 SH   SOLE   1,117 0 0
ALLSTATE CORP COM 020002101   1,022,050 5,077 SH   OTR   5,077 0 0
ALPHABET INC CAP STK CL C 02079K107   296,596 1,672 SH   SOLE   1,672 0 0
ALPHABET INC CAP STK CL A 02079K305   2,259,797 12,823 SH   SOLE   12,672 151 0
ALPHABET INC CAP STK CL A 02079K305   675,665 3,834 SH   OTR   3,200 0 634
ALTRIA GROUP INC COM 02209S103   268,408 4,578 SH   SOLE   3,758 720 100
ALTRIA GROUP INC COM 02209S103   117,260 2,000 SH   OTR   0 0 2,000
AMAZON COM INC COM 023135106   615,827 2,807 SH   SOLE   2,666 141 0
AMAZON COM INC COM 023135106   65,817 300 SH   OTR   0 300 0
AMERICAN ELEC PWR CO INC COM 025537101   356,519 3,436 SH   SOLE   3,436 0 0
AMERICAN ELEC PWR CO INC COM 025537101   240,723 2,320 SH   OTR   1,350 970 0
AMERICAN EXPRESS CO COM 025816109   2,912,287 9,130 SH   SOLE   8,972 155 3
AMERICAN EXPRESS CO COM 025816109   63,796 200 SH   OTR   200 0 0
AMERIPRISE FINL INC COM 03076C106   2,942,453 5,513 SH   SOLE   5,400 111 2
AMERIPRISE FINL INC COM 03076C106   37,894 71 SH   OTR   71 0 0
AMGEN INC COM 031162100   3,174,617 11,370 SH   SOLE   11,225 143 2
AMGEN INC COM 031162100   316,065 1,132 SH   OTR   1,057 0 75
AMPLIFY ETF TR AMPLIFY DGTL PAY 032108656   90,658 1,513 SH   SOLE   0 0 1,513
AMPLIFY ETF TR AMPLIFY DGTL PAY 032108656   242,316 4,044 SH   OTR   0 0 4,044
APPLE INC COM 037833100   10,876,061 53,010 SH   SOLE   51,849 881 280
APPLE INC COM 037833100   1,561,138 7,609 SH   OTR   6,421 170 1,018
APPLIED MATLS INC COM 038222105   3,515,676 19,204 SH   SOLE   19,204 0 0
APPLIED MATLS INC COM 038222105   565,686 3,090 SH   OTR   3,090 0 0
ARES CAPITAL CORP COM 04010L103   267,099 12,163 SH   SOLE   12,163 0 0
ARES CAPITAL CORP COM 04010L103   636,840 29,000 SH   OTR   0 0 29,000
ARISTA NETWORKS INC COM SHS 040413205   3,971,674 38,820 SH   SOLE   37,908 900 12
ARISTA NETWORKS INC COM SHS 040413205   74,686 730 SH   OTR   730 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   99,921 324 SH   SOLE   324 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   2,155,716 6,990 SH   OTR   6,990 0 0
AVALONBAY CMNTYS INC COM 053484101   1,247,251 6,129 SH   SOLE   6,024 105 0
AVALONBAY CMNTYS INC COM 053484101   137,973 678 SH   OTR   678 0 0
BANK AMERICA CORP COM 060505104   2,305,572 48,723 SH   SOLE   48,040 0 683
BANK AMERICA CORP COM 060505104   704,168 14,881 SH   OTR   10,071 508 4,302
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   82,095 169 SH   SOLE   169 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   159,818 329 SH   OTR   77 0 252
BLACKSTONE INC COM 09260D107   2,572,028 17,195 SH   SOLE   16,861 328 6
BLACKSTONE INC COM 09260D107   38,142 255 SH   OTR   255 0 0
BLACKROCK INC COM 09290D101   1,181,455 1,126 SH   SOLE   1,126 0 0
BLACKROCK INC COM 09290D101   105,974 101 SH   OTR   41 50 10
BONDBLOXX ETF TRUST BLOOMBERG SIX MN 09789C788   307,376 6,106 SH   SOLE   6,106 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   517,421 4,969 SH   SOLE   4,939 0 30
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   142,345 1,367 SH   OTR   297 1,070 0
BRISTOL-MYERS SQUIBB CO COM 110122108   275,934 5,961 SH   SOLE   5,361 500 100
BRISTOL-MYERS SQUIBB CO COM 110122108   78,693 1,700 SH   OTR   400 1,300 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   972,120 4,000 SH   OTR   4,000 0 0
BROADCOM INC COM 11135F101   1,811,296 6,571 SH   SOLE   6,361 0 210
BROADCOM INC COM 11135F101   336,293 1,220 SH   OTR   0 1,050 170
CSX CORP COM 126408103   2,838,190 86,981 SH   SOLE   86,961 0 20
CSX CORP COM 126408103   3,426 105 SH   OTR   105 0 0
CAPITAL ONE FINL CORP COM 14040H105   1,008,482 4,740 SH   SOLE   4,740 0 0
CAPITAL ONE FINL CORP COM 14040H105   26,595 125 SH   OTR   125 0 0
CHEVRON CORP NEW COM 166764100   1,446,075 10,099 SH   SOLE   9,882 177 40
CHEVRON CORP NEW COM 166764100   275,354 1,923 SH   OTR   1,923 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   3,785,127 67,411 SH   SOLE   66,048 1,345 18
CHIPOTLE MEXICAN GRILL INC COM 169656105   192,482 3,428 SH   OTR   3,428 0 0
CISCO SYS INC COM 17275R102   1,699,185 24,491 SH   SOLE   24,191 200 100
CISCO SYS INC COM 17275R102   260,938 3,761 SH   OTR   3,761 0 0
COCA COLA CO COM 191216100   431,079 6,093 SH   SOLE   5,608 395 90
COCA COLA CO COM 191216100   534,940 7,561 SH   OTR   7,561 0 0
COLGATE PALMOLIVE CO COM 194162103   207,342 2,281 SH   SOLE   1,911 340 30
COMCAST CORP NEW CL A 20030N101   168,599 4,724 SH   SOLE   4,664 60 0
COMCAST CORP NEW CL A 20030N101   155,429 4,355 SH   OTR   400 1,000 2,955
CONOCOPHILLIPS COM 20825C104   376,100 4,191 SH   SOLE   3,947 184 60
CONOCOPHILLIPS COM 20825C104   160,814 1,792 SH   OTR   1,792 0 0
CONSOLIDATED EDISON INC COM 209115104   322,825 3,217 SH   SOLE   3,217 0 0
CONSOLIDATED EDISON INC COM 209115104   60,210 600 SH   OTR   0 600 0
COSTCO WHSL CORP NEW COM 22160K105   3,823,148 3,862 SH   SOLE   3,790 71 1
COSTCO WHSL CORP NEW COM 22160K105   226,696 229 SH   OTR   229 0 0
CROWN CASTLE INC COM 22822V101   73,041 711 SH   SOLE   685 26 0
CROWN CASTLE INC COM 22822V101   254,256 2,475 SH   OTR   0 0 2,475
DEERE & CO COM 244199105   447,471 880 SH   SOLE   880 0 0
DICKS SPORTING GOODS INC COM 253393102   2,033,091 10,278 SH   SOLE   10,174 100 4
DICKS SPORTING GOODS INC COM 253393102   95,740 484 SH   OTR   484 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   1,516,182 12,849 SH   SOLE   12,614 235 0
DUKE ENERGY CORP NEW COM NEW 26441C204   594,838 5,041 SH   OTR   3,246 0 1,795
DUPONT DE NEMOURS INC COM 26614N102   1,841,778 26,852 SH   SOLE   26,442 403 7
DUPONT DE NEMOURS INC COM 26614N102   38,821 566 SH   OTR   566 0 0
EASTMAN CHEM CO COM 277432100   135,657 1,817 SH   SOLE   1,817 0 0
EASTMAN CHEM CO COM 277432100   100,791 1,350 SH   OTR   0 1,350 0
EMERSON ELEC CO COM 291011104   335,858 2,519 SH   SOLE   2,226 0 293
EMERSON ELEC CO COM 291011104   233,327 1,750 SH   OTR   0 1,690 60
ENTERGY CORP NEW COM 29364G103   559,397 6,730 SH   SOLE   6,730 0 0
ENTERGY CORP NEW COM 29364G103   99,744 1,200 SH   OTR   0 1,200 0
EXCHANGE TRADED CONCEPTS TRU ROBO GLB ETF 301505707   228,180 3,817 SH   SOLE   339 0 3,478
EXCHANGE TRADED CONCEPTS TRU ROBO GLB ETF 301505707   1,205,284 20,162 SH   OTR   13,910 0 6,252
EXXON MOBIL CORP COM 30231G102   1,845,104 17,116 SH   SOLE   16,342 499 275
EXXON MOBIL CORP COM 30231G102   463,863 4,303 SH   OTR   4,303 0 0
META PLATFORMS INC CL A 30303M102   3,762,044 5,097 SH   SOLE   4,972 124 1
META PLATFORMS INC CL A 30303M102   332,140 450 SH   OTR   147 0 303
FIDELITY NATL INFORMATION SV COM 31620M106   2,071,558 25,446 SH   SOLE   24,966 473 7
FIDELITY NATL INFORMATION SV COM 31620M106   38,018 467 SH   OTR   467 0 0
FORTINET INC COM 34959E109   4,144,858 39,206 SH   SOLE   39,206 0 0
FORTINET INC COM 34959E109   806,115 7,625 SH   OTR   7,625 0 0
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   1,954,411 26,386 SH   SOLE   25,870 498 18
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   105,771 1,428 SH   OTR   1,428 0 0
GENUINE PARTS CO COM 372460105   245,531 2,024 SH   SOLE   2,009 15 0
GOLDMAN SACHS GROUP INC COM 38141G104   221,525 313 SH   SOLE   298 15 0
GOLDMAN SACHS GROUP INC COM 38141G104   225,064 318 SH   OTR   0 0 318
HOME DEPOT INC COM 437076102   1,594,150 4,348 SH   SOLE   4,202 52 94
HOME DEPOT INC COM 437076102   160,221 437 SH   OTR   437 0 0
HONEYWELL INTL INC COM 438516106   413,129 1,774 SH   SOLE   1,699 75 0
HONEYWELL INTL INC COM 438516106   323,004 1,387 SH   OTR   874 0 513
HOST HOTELS & RESORTS INC COM 44107P104   172,032 11,200 SH   OTR   0 0 11,200
ILLINOIS TOOL WKS INC COM 452308109   494,994 2,002 SH   SOLE   2,002 0 0
ILLINOIS TOOL WKS INC COM 452308109   38,323 155 SH   OTR   0 155 0
INTEL CORP COM 458140100   48,742 2,176 SH   SOLE   2,046 0 130
INTEL CORP COM 458140100   181,440 8,100 SH   OTR   8,100 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   3,101,675 10,522 SH   SOLE   10,371 133 18
INTERNATIONAL BUSINESS MACHS COM 459200101   125,281 425 SH   OTR   425 0 0
INVESCO SR INCOME TR COM 46131H107   176,263 46,385 SH   OTR   0 0 46,385
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   227,604 7,800 SH   OTR   0 0 7,800
ISHARES GOLD TR ISHARES NEW 464285204   312,797 5,016 SH   SOLE   474 0 4,542
ISHARES GOLD TR ISHARES NEW 464285204   1,786,614 28,650 SH   OTR   0 0 28,650
ISHARES TR CORE S&P500 ETF 464287200   2,121,615 3,417 SH   SOLE   2,017 1,400 0
ISHARES TR CORE US AGGBD ET 464287226   7,737 78 SH   SOLE   78 0 0
ISHARES TR CORE US AGGBD ET 464287226   218,041 2,198 SH   OTR   0 85 2,113
ISHARES TR S&P 500 GRWT ETF 464287309   354,852 3,223 SH   SOLE   3,223 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   116,265 1,056 SH   OTR   1,056 0 0
ISHARES TR S&P 500 VAL ETF 464287408   275,737 1,411 SH   SOLE   1,411 0 0
ISHARES TR S&P 500 VAL ETF 464287408   94,192 482 SH   OTR   482 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,450,799 16,230 SH   SOLE   16,080 0 150
ISHARES TR MSCI EAFE ETF 464287465   583,806 6,531 SH   OTR   4,571 0 1,960
ISHARES TR CORE S&P MCP ETF 464287507   224,016 3,612 SH   SOLE   3,612 0 0
ISHARES TR CORE S&P MCP ETF 464287507   83,416 1,345 SH   OTR   0 0 1,345
ISHARES TR RUS 2000 GRW ETF 464287648   277,284 970 SH   SOLE   970 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   240,390 1,114 SH   SOLE   1,114 0 0
ISHARES TR CORE S&P US VLU 464287663   275,278 2,909 SH   SOLE   0 0 2,909
ISHARES TR CORE S&P US GWT 464287671   252,521 1,679 SH   SOLE   0 0 1,679
ISHARES TR CORE S&P SCP ETF 464287804   686,341 6,280 SH   SOLE   6,280 0 0
ISHARES TR CORE S&P SCP ETF 464287804   65,027 595 SH   OTR   500 0 95
ISHARES TR NATIONAL MUN ETF 464288414   261,617 2,504 SH   SOLE   199 0 2,305
ISHARES TR NATIONAL MUN ETF 464288414   30,194 289 SH   OTR   50 0 239
ISHARES TR CORE MSCI EAFE 46432F842   207,197 2,482 SH   SOLE   2,482 0 0
JPMORGAN CHASE & CO. COM 46625H100   4,326,037 14,922 SH   SOLE   14,603 319 0
JPMORGAN CHASE & CO. COM 46625H100   1,138,476 3,927 SH   OTR   3,189 678 60
JACOBS SOLUTIONS INC COM 46982L108   2,060,084 15,672 SH   SOLE   15,466 203 3
JACOBS SOLUTIONS INC COM 46982L108   165,758 1,261 SH   OTR   1,261 0 0
JOHNSON & JOHNSON COM 478160104   1,032,284 6,758 SH   SOLE   6,463 260 35
JOHNSON & JOHNSON COM 478160104   227,597 1,490 SH   OTR   1,490 0 0
KLA CORP COM NEW 482480100   413,831 462 SH   SOLE   462 0 0
KLA CORP COM NEW 482480100   26,872 30 SH   OTR   0 0 30
KIMCO RLTY CORP COM 49446R109   737,276 35,075 SH   SOLE   35,047 0 28
KIMCO RLTY CORP COM 49446R109   4,288 204 SH   OTR   204 0 0
KROGER CO COM 501044101   2,413,642 33,649 SH   SOLE   33,108 532 9
KROGER CO COM 501044101   79,907 1,114 SH   OTR   1,114 0 0
ELI LILLY & CO COM 532457108   7,988,623 10,248 SH   SOLE   10,114 133 1
ELI LILLY & CO COM 532457108   1,351,705 1,734 SH   OTR   1,734 0 0
LOCKHEED MARTIN CORP COM 539830109   1,478,806 3,193 SH   SOLE   3,193 0 0
LOCKHEED MARTIN CORP COM 539830109   345,502 746 SH   OTR   396 350 0
LOWES COS INC COM 548661107   655,847 2,956 SH   SOLE   2,956 0 0
LOWES COS INC COM 548661107   443,740 2,000 SH   OTR   650 0 1,350
LULULEMON ATHLETICA INC COM 550021109   1,389,843 5,850 SH   SOLE   5,791 57 2
LULULEMON ATHLETICA INC COM 550021109   125,204 527 SH   OTR   350 0 177
MARRIOTT INTL INC NEW CL A 571903202   877,277 3,211 SH   SOLE   3,088 123 0
MARRIOTT INTL INC NEW CL A 571903202   53,549 196 SH   OTR   196 0 0
MASTERCARD INCORPORATED CL A 57636Q104   5,167,600 9,196 SH   SOLE   9,099 96 1
MASTERCARD INCORPORATED CL A 57636Q104   474,277 844 SH   OTR   844 0 0
MCDONALDS CORP COM 580135101   1,229,159 4,207 SH   SOLE   3,867 198 142
MCDONALDS CORP COM 580135101   58,434 200 SH   OTR   200 0 0
MCKESSON CORP COM 58155Q103   213,238 291 SH   SOLE   291 0 0
MERCK & CO INC COM 58933Y105   1,323,792 16,723 SH   SOLE   16,260 213 250
MERCK & CO INC COM 58933Y105   831,971 10,510 SH   OTR   10,510 0 0
MICROSOFT CORP COM 594918104   9,908,407 19,920 SH   SOLE   19,402 461 57
MICROSOFT CORP COM 594918104   4,106,119 8,255 SH   OTR   7,815 280 160
MORGAN STANLEY COM NEW 617446448   254,252 1,805 SH   SOLE   1,765 0 40
NETFLIX INC COM 64110L106   4,890,502 3,652 SH   SOLE   3,554 97 1
NETFLIX INC COM 64110L106   113,826 85 SH   OTR   85 0 0
NEXTERA ENERGY INC COM 65339F101   614,783 8,856 SH   SOLE   8,034 822 0
NEXTERA ENERGY INC COM 65339F101   84,692 1,220 SH   OTR   420 800 0
NUCOR CORP COM 670346105   847,450 6,542 SH   SOLE   6,542 0 0
NUCOR CORP COM 670346105   294,573 2,274 SH   OTR   2,274 0 0
NVIDIA CORPORATION COM 67066G104   8,460,364 53,550 SH   SOLE   52,181 1,358 11
NVIDIA CORPORATION COM 67066G104   745,870 4,721 SH   OTR   2,171 2,550 0
1WS CREDIT INCOME FUND INSTL CL 68249P102   184,824 9,536 SH   SOLE   0 0 9,536
1WS CREDIT INCOME FUND INSTL CL 68249P102   156,698 8,085 SH   OTR   0 0 8,085
ORACLE CORP COM 68389X105   2,523,646 11,543 SH   SOLE   11,538 0 5
ORACLE CORP COM 68389X105   13,117 60 SH   OTR   60 0 0
PAYCHEX INC COM 704326107   302,411 2,079 SH   SOLE   2,079 0 0
PEPSICO INC COM 713448108   1,277,883 9,678 SH   SOLE   9,158 345 175
PEPSICO INC COM 713448108   1,339,941 10,148 SH   OTR   9,078 1,000 70
PFIZER INC COM 717081103   156,590 6,460 SH   SOLE   5,494 493 473
PFIZER INC COM 717081103   329,688 13,601 SH   OTR   13,601 0 0
PHILLIPS 66 COM 718546104   1,575,833 13,209 SH   SOLE   13,204 0 5
PHILLIPS 66 COM 718546104   188,374 1,579 SH   OTR   1,579 0 0
PROCTER AND GAMBLE CO COM 742718109   2,710,989 17,016 SH   SOLE   16,350 420 246
PROCTER AND GAMBLE CO COM 742718109   1,703,449 10,692 SH   OTR   10,392 300 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   983,138 11,679 SH   SOLE   11,679 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   264,325 3,140 SH   OTR   1,690 1,450 0
PUBLIC STORAGE OPER CO COM 74460D109   118,835 405 SH   SOLE   405 0 0
PUBLIC STORAGE OPER CO COM 74460D109   265,545 905 SH   OTR   0 0 905
QUALCOMM INC COM 747525103   309,760 1,945 SH   SOLE   1,882 63 0
QUALCOMM INC COM 747525103   5,574 35 SH   OTR   0 0 35
QUANTA SVCS INC COM 74762E102   4,079,105 10,789 SH   SOLE   10,644 143 2
QUANTA SVCS INC COM 74762E102   188,283 498 SH   OTR   498 0 0
QUEST DIAGNOSTICS INC COM 74834L100   2,328,364 12,962 SH   SOLE   12,695 264 3
QUEST DIAGNOSTICS INC COM 74834L100   150,889 840 SH   OTR   840 0 0
SHELL PLC SPON ADS 780259305   1,595,772 22,664 SH   SOLE   22,656 0 8
SHELL PLC SPON ADS 780259305   21,545 306 SH   OTR   306 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,174,832 3,520 SH   SOLE   3,520 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   988,560 1,600 SH   OTR   0 1,600 0
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664   1,471,442 55,359 SH   SOLE   55,359 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763   203,866 1,502 SH   SOLE   1,502 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763   1,357,300 10,000 SH   OTR   0 10,000 0
SPDR SERIES TRUST S&P BIOTECH 78464A870   47,104 568 SH   SOLE   0 0 568
SPDR SERIES TRUST S&P BIOTECH 78464A870   282,293 3,404 SH   OTR   0 0 3,404
SALESFORCE INC COM 79466L302   838,521 3,075 SH   SOLE   3,039 36 0
SALESFORCE INC COM 79466L302   257,692 945 SH   OTR   945 0 0
SOUTHERN CO COM 842587107   2,425,964 26,418 SH   SOLE   26,387 0 31
SOUTHERN CO COM 842587107   1,004,712 10,941 SH   OTR   10,241 700 0
STARBUCKS CORP COM 855244109   367,894 4,015 SH   SOLE   4,015 0 0
STARWOOD PPTY TR INC COM 85571B105   122,427 6,100 SH   SOLE   6,100 0 0
STARWOOD PPTY TR INC COM 85571B105   453,582 22,600 SH   OTR   0 0 22,600
TJX COS INC NEW COM 872540109   2,398,546 19,423 SH   SOLE   18,895 528 0
TJX COS INC NEW COM 872540109   344,537 2,790 SH   OTR   2,790 0 0
T-MOBILE US INC COM 872590104   3,997,288 16,777 SH   SOLE   16,491 282 4
T-MOBILE US INC COM 872590104   200,853 843 SH   OTR   843 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   4,682,001 20,672 SH   SOLE   20,240 432 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   240,532 1,062 SH   OTR   1,062 0 0
TEXAS INSTRS INC COM 882508104   1,109,106 5,342 SH   SOLE   5,339 0 3
THERMO FISHER SCIENTIFIC INC COM 883556102   990,538 2,443 SH   SOLE   2,388 15 40
TOLL BROTHERS INC COM 889478103   1,766,504 15,478 SH   SOLE   15,260 214 4
TOLL BROTHERS INC COM 889478103   137,070 1,201 SH   OTR   1,201 0 0
TORTOISE CAPITAL SERIES TRUS ENERGY FD 890930209   282,978 30,845 SH   SOLE   30,845 0 0
TORTOISE CAPITAL SERIES TRUS ENERGY FD 890930209   619,331 67,508 SH   OTR   0 67,508 0
TRAVELERS COMPANIES INC COM 89417E109   200,655 750 SH   SOLE   450 300 0
TRUIST FINL CORP COM 89832Q109   569,789 13,254 SH   SOLE   13,254 0 0
TRUIST FINL CORP COM 89832Q109   504,272 11,730 SH   OTR   6,550 0 5,180
UNION PAC CORP COM 907818108   646,294 2,809 SH   SOLE   2,692 117 0
UNION PAC CORP COM 907818108   156,224 679 SH   OTR   514 165 0
UNITEDHEALTH GROUP INC COM 91324P102   209,019 670 SH   SOLE   664 6 0
UNITEDHEALTH GROUP INC COM 91324P102   12,478 40 SH   OTR   40 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   253,655 3,445 SH   OTR   0 0 3,445
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   189,501 3,324 SH   SOLE   948 0 2,376
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   168,521 2,956 SH   OTR   0 0 2,956
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   267,953 2,010 SH   OTR   0 0 2,010
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   160,575 1,803 SH   SOLE   836 0 967
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   739,465 8,303 SH   OTR   0 723 7,580
VANGUARD INDEX FDS LARGE CAP ETF 922908637   176,030 617 SH   SOLE   270 0 347
VANGUARD INDEX FDS LARGE CAP ETF 922908637   439,362 1,540 SH   OTR   102 0 1,438
VERIZON COMMUNICATIONS INC COM 92343V104   808,802 18,692 SH   SOLE   18,128 464 100
VERIZON COMMUNICATIONS INC COM 92343V104   627,544 14,503 SH   OTR   14,503 0 0
VISA INC COM CL A 92826C839   121,427 342 SH   SOLE   342 0 0
VISA INC COM CL A 92826C839   172,199 485 SH   OTR   12 0 473
WALMART INC COM 931142103   1,861,144 19,034 SH   SOLE   18,309 605 120
WALMART INC COM 931142103   226,360 2,315 SH   OTR   900 1,200 215
WASTE MGMT INC DEL COM 94106L109   576,855 2,521 SH   SOLE   2,503 18 0
WASTE MGMT INC DEL COM 94106L109   324,924 1,420 SH   OTR   1,420 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281   546,599 9,895 SH   OTR   0 0 9,895
ZOETIS INC CL A 98978V103   2,218,388 14,225 SH   SOLE   14,221 0 4
ZOETIS INC CL A 98978V103   20,585 132 SH   OTR   132 0 0